If you have a mortgage rate above 4%, you should keep an eye on mortgage rates during August to see if there is an opportunity to refinance and save money. (Potential buyers should obviously also take notice, but they were probably paying attention … [Read the rest]
Here's my monthly roundup of the best interest rates on cash for August 2019, roughly sorted from shortest to longest maturities. The target for the Fed Funds Rate was just cut by 0.25% as of 8/1/19, so look out for small rate drops this month … [Read the rest]
Betterment, best known for their automated portfolio management software, has added a high-yield savings product called Betterment Everyday Cash Reserve. An additional checking product is "coming soon". This product has several unique features that … [Read the rest]
Update. As many of you correctly pointed out, only $31 million was allotted to the $125 alternative payment if you opted out of the free credit monitoring. The FTC has provided an update encouraging people to pick the free monitoring: I thought I … [Read the rest]
I feel like I've been reading a lot of backlash against the "latte factor". I agree buying a Starbucks latte every day will not directly lead to poverty, and forgoing it will not make you independently wealthy. However, sometimes a concrete example … [Read the rest]
If you read about investing in stocks and bonds, there is a lot of discussion about rebalancing your portfolio. Should you rebalance? When? How often? How much? Carl Ozeck contributes his thoughts on the Vanguard Blog article Capital gains are … [Read the rest]
In the post How Well Do Americans Balance Income and Spending? by the St. Louis Fed, they examine the breakdown of household spending as compared to income. In terms of the big picture, 55% of US households were net savers (earned more than they … [Read the rest]
Worthy Bonds are a fintech startup that offers you 5% interest by "supporting your fellow humans". You can invest a little bit at a time, even doing "round-ups" of your purchases. However, whenever you see an interest rate well above FDIC-insured … [Read the rest]
I've invested over $50,000 of my "alternative" money into PeerStreet real estate notes because of the ability to diversify into 50+ different high-interest loans backed by physical real estate. Here is a case study from one of my first loans where I … [Read the rest]
Online bank Marcus (formerly Goldman Sachs Bank) has a new Cash Bonus Offer which includes 1% cash bonus (up to $500) on new deposits on top of their existing interest rate (currently 2.15% APY). Valid for both new and existing customers. Given … [Read the rest]
Last call for deals + good stacking offer: Up to $60 Amazon credit for buying through the app. Amazon Prime Day 2019 is July 15th and 16th. I'll try to keep this post updated with the most recent offers (and remove the expired ones). There are … [Read the rest]
Unison is a "home co-investment" start-up, which means it wants a share of the equity of your home. If your home value goes up, then it wants some of the gain. If your home value drops, then it will absorb some of the loss. In exchange, the … [Read the rest]
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